Carroll County property record for 640 Spring Mills Rd, Westminster, MD 21157
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 2,652 sqft · built 1984 |
| Lot Size | 5.57 acres (242,891 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,296 (2026) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-087810 |
| Primary APN | 07-087810 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,652 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 242,891 sqft (5.57 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 648 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 087810 |
|---|---|
| Street Address | 640 SPRING MILLS RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-6823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | CONSE |
| Legal Description | LT - 5.5758 ACS 640 SPRING MILLS RD SPRING MILLS |
| Legal Subdivision | SPRING MILLS |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 507702 |
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 640 SPRING MILLS RD, WESTMINSTER, MD 21157-6823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 640 SPRING MILLS RD, WESTMINSTER, MD 21157-6823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0095750274 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 9575/0274 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,296.00 (+2.78%) Homeowner's exemption | $378,300 (+2.83%) Land $118,600 Building $259,700 | $378,300 (-) Land $118,600 Building $259,700 |
| 2025 | $4,180.00 (+6.58%) Homeowner's exemption | $367,900 (+5.99%) | $378,300 (+8.99%) Land $118,600 Building $259,700 |
| 2023 | $3,922.00 Homeowner's exemption | $347,100 Land $131,600 Building $215,500 | $347,100 Land $131,600 Building $215,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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